see below
-----Original Message-----
From: Laurie Zissimos <lziss...@aol.com>
To: rn11...@yahoo.com
Sent: Tue, Aug 4, 2009 6:31 pm
Subject: Re: [TMIC] healthcare
Maybe you can help me.? I was diagnosed with TM in Dec 2005 and went on SSDI?
a year and a half later.? This September I have to enroll in Medicare and I
don't know whether or not to get Part B/D at this time.? I am on my husband's
COBRA until January unless I file for an extension which I may do since I have
that option being disabled.? It's pretty expensive, but Its Blue Cross and they
have covered almost all of my medical exp since the diagnosis.? Our Blue Cross
plan is a PPO so we don't need precerts/pre auths.? It makes it much easier
seeing specialists.? He also has another plan through a part time employer but
I don't think the benies are that great.? My first question is whether or not I
should sign up for Part B, Part B Advantaged, or Part B and D.? I am trying not
to lose the BlueCross, but I also don't know which of the new health coverages
would be primary, secondary or other.? Is Medicare always considered primary or
is it secondary??? Laurie
-----Original Message-----
From: rn11...@yahoo.com <rn11...@yahoo.com>
To: tmic-list@eskimo.com
Sent: Tue, Aug 4, 2009 6:14 pm
Subject: [TMIC] healthcare
Hi,
?? I have been on social security disability since 1996,5 months after getting
tm.I was 49 (now I'm 63).I have a medicare hmo health plan.I have had this
since cobra ran out.I pay $173 a month.My dr visits are $10,a specialist $20.I
have a deductable of $100 per day if hospitalized (for the 1st 8 days).It
also?includes the part d to help pay for meds,but I get many of my meds at
walmart for $10 for a 90 day supply.The others I get for 90 days through
express scripts.I'm sure that on Jan 1st the cost will go up and the benefits
will change.
?? I pay out of pocket over $4000 a year for insurance and meds.Thank God I had
long term disability insurance when tm hit me.I get a total of 60% of?what I
was earning in 1995.
? I live in Mass.,where you must have some type of medical insurance,or you pay
a penalty when you file taxes.My ex husband paid $600 this year for not having
health insurance last year. I finally got him to get medicare when he turned 65
in March.Now if I could convince him to insure his house!
?? Well,I don't post often,but I'm sure wordy when I do!
?? My best wishes to everyone,
???? Cheryl in HOT Easthampton,MA.
??
??
